I drive my parents car and I do have a license how does this work in the event of an accident.? Insurance is like a lottery, the worst the odds the more the insurance. In other words, the more drivers there are to the insured car the higher the risk of an accident especially if you are younger.
Normally you have to be added to the list of drivers for the car and the insurance premiums will be increased. The fact that you are young makes you a higher risk. Older people are less likely to have an accident so the risk factors change. Speak to a Geico agent for more information on how to add you to the drivers list and how much the additional car insurance premiums are going to be.